HSA 405 Strayer University Health & Medical Question

Expert Solution Preview

Introduction:
Health insurance plays a crucial role in ensuring access to healthcare for individuals and families. It provides financial protection and allows patients to seek the necessary medical services without the burden of high costs. However, there are also barriers that can impede access to healthcare, preventing individuals from receiving the care they need. In this paper, we will explore the benefits of health insurance on access to care, analyze barriers to accessing healthcare, and summarize two provisions of the Affordable Care Act that affect patient care.

Answer to the first question:
The benefits of health insurance on access to care are significant. Firstly, having health insurance ensures that individuals have financial protection in the event of a medical emergency or the need for regular healthcare services. Without insurance, the cost of medical procedures, medication, and hospital stays can be prohibitively expensive, leading to potential financial hardship. Secondly, health insurance provides individuals with a network of healthcare providers who have been pre-screened by the insurance company. This network ensures that patients have access to high-quality care from trusted professionals. For example, insurance plans often include coverage for preventative care services, such as vaccinations and screenings, which can help individuals maintain their health and prevent the development of more serious conditions.

Answer to the second question:
Barriers to accessing healthcare can vary and pose significant challenges for individuals without insurance. One example of a barrier is the lack of affordability. Many individuals, particularly those with low incomes, may struggle to afford health insurance premiums. As a result, they may choose to forgo coverage altogether, making it difficult for them to access needed medical services. Another barrier is the limited availability of healthcare providers in certain areas, particularly in rural or low-income communities. Without access to a nearby healthcare facility, individuals may face challenges in seeking timely and appropriate care. To remove these barriers, policymakers and healthcare organizations should consider implementing measures such as expanding Medicaid coverage for low-income individuals to ensure affordability and incentivizing healthcare providers to work in underserved areas.

Answer to the third question:
The Affordable Care Act (ACA) is a comprehensive healthcare reform law enacted in 2010. Two provisions of the ACA that affect patient care include the prohibition of insurance companies from denying coverage based on pre-existing conditions and the establishment of health insurance marketplaces. The provision that prohibits insurance companies from denying coverage based on pre-existing conditions ensures that individuals with ongoing medical conditions can still obtain insurance coverage. This provision has significantly expanded access to insurance for individuals who were previously denied coverage due to their health status. The establishment of health insurance marketplaces, also known as exchanges, provides individuals and small businesses with a platform to compare and purchase health insurance plans. This marketplace offers increased transparency and choice, enabling patients to select the best plan that meets their healthcare needs and budget.

In conclusion, health insurance has a profound impact on access to care by providing financial protection and access to a network of healthcare providers. However, barriers such as affordability and limited availability of healthcare providers can hinder access to care. The Affordable Care Act has brought significant changes to the healthcare system, including provisions that ensure coverage for individuals with pre-existing conditions and the establishment of insurance marketplaces. These provisions aim to improve patient access to care and promote a more equitable healthcare system.